NAICS UNIVERSITY · Free research for insurance agents
Bus and Other Motor Vehicle Transit Systems
NAICS 485113 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in operating local and suburban passenger transportation systems using buses or other motor vehicles over regular routes and on regular schedules within a metropolitan area and its adjacent nonurban areas.
Start the review with commercial auto liability.
For Bus and Other Motor Vehicle Transit Systems, the saved research highlights commercial auto liability, passenger injury, workers' compensation. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many vehicles are in the fleet, and what are the vehicle types and ages?
- Is the operation privately owned, publicly owned, or a private contractor to a public transit authority?
- What is the total annual passenger count and primary service area?
- What does the loss history look like over the prior five years, particularly auto liability claims?
- Are there maintenance and repair operations performed in-house, and what does that facility look like?
- For Bus and Other Motor Vehicle Transit Systems, what should the underwriter know about significant prior auto liability losses, particularly multi-passenger bodily injury claims?
- For Bus and Other Motor Vehicle Transit Systems, what should the underwriter know about high driver turnover or documented cdl compliance issues?
- For Bus and Other Motor Vehicle Transit Systems, what should the underwriter know about aging fleet without documented preventive maintenance programs?
Activities described by this code
Other activities to examine
- Operating local and suburban passenger transportation systems using both a bus or other motor vehicle and another mode of transport: 485111 — Mixed Mode Transit Systems
- Providing interurban and rural bus transportation: 485210 — Interurban and Rural Bus Transportation
- Providing bus transportation for students and employees: 485410 — School and Employee Bus Transportation
- Providing scenic and sightseeing transportation using buses or other motor vehicles: 487110 — Scenic and Sightseeing Transportation, Land;
- Providing bus shuttle services (except school and employee bus): 485999 — All Other Transit and Ground Passenger Transportation
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Bus and motor vehicle transit operators run scheduled passenger service over fixed routes within metropolitan and adjacent suburban areas — drivers operate buses or coaches on defined timetables, picking up and discharging fare-paying passengers at designated stops. Operations typically include fleet maintenance facilities, dispatching, and fare collection infrastructure. Many private operators work under contract with a public transit authority.
Questions to investigate
- How many vehicles are in the fleet, and what are the vehicle types and ages?
- Is the operation privately owned, publicly owned, or a private contractor to a public transit authority?
- What is the total annual passenger count and primary service area?
- What does the loss history look like over the prior five years, particularly auto liability claims?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.